CB
SBA 7(a) franchise lending portfolio
City Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $5.1M
- Avg loan size
- $393K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.55%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Firehouse Subs | 2 | $492K | 0.0% (low risk) |
| Gold's Gym | 2 | $1.4M | 0.0% (low risk) |
| Doubledave's Pizzaworks | 1 | $141K | 0.0% (low risk) |
| Bright Star Learning Center | 1 | $60K | 0.0% (low risk) |
| Superior Cleaner (cleaning Ser | 1 | $60K | 0.0% (low risk) |
| Do it Best – Membership Agreem | 1 | $1.8M | 0.0% (low risk) |
| Amazing Lash Studio | 1 | $338K | 0.0% (low risk) |
| Vitality Bowls | 1 | $200K | 0.0% (low risk) |
| Mr. Jim's Pizza | 1 | $220K | 0.0% (low risk) |
| Orange Leaf Frozen Yogurt | 1 | $290K | 0.0% (low risk) |
| Gong Cha (only for NJ, NY, MA | 1 | $150K | N/A |
Lending volume by year
1'02
1'04
1'09
1'10
1'13
3'14
1'15
1'16
1'18
1'19
1'22
Geographic exposure
110.0% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$5.1M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate5.55%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has City Bank originated?
- 13 loans totaling $5.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does City Bank fund the most?
- The “Top franchise exposures” table above lists the brands City Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.